As much as I like Antipope, I think he is overestimating the long term thinking of the Apple business because the time to have started the "Apple Bank" process is 2014 because they should have just acquired Simple:

http://techcrunch.com/2014/02/20/simple-acquired-for-117m-wi...

Then moved on from there and making it into "Simple, The Apple Bank". The fact they didn't move in that direction makes me think it never really occurred to them.